Transcript Highlights:

• practical ways to protect the consumer. practical ways to protect the consumer.
• <00:52:59.680> and transparency to educate consumers and transparency to educate consumers
• Commission, and the Division of Consumer Commission, and the Division of Consumer Advocacy.
• for the Hawaii Island consumers. for the Hawaii Island consumers.
• <00:59:23.880> under not going to throw the consumer under not going to throw the consumer

Keywords: 912, senate, all

Summary: The Senate Commerce and Consumer Protection Committee heard and considered a long list of Governor’s messages for appointments to state boards and commissions, including the Board of Dentistry, Barbering and Cosmetology, Speech Pathology and Audiology, Motor Vehicle Industry Licensing Board, Elevator Mechanics Licensing Board, Real Estate Commission, Board of Naturopathic Medicine, State Boxing Commission, Board of Professional Engineers, Architects, Surveyors and Landscape Architects, Hawaii Medical Board, Board of Physical Therapy, Board of Pharmacy, and the Public Utilities Commission. Most nominees and supporting agencies testified in support, and many nominees simply stood on their written testimony. Several nominees also answered questions about their experience and the issues facing their boards, including dental insurance and Medicaid concerns, condo and real estate disputes, pharmacy regulation and telepharmacy, boxing and MMA rule updates, and medical board service in rural areas. The committee discussed some contested or notable nominations in more detail. Richard Emery’s nomination to the Real Estate Commission drew opposition testimony tied to a condo management dispute, and he responded by emphasizing the need for factual evidence, mediation and complaint data, and better consumer education. Trinette Kahui and Andrea Ushijima were also nominated to the Real Estate Commission, with broad support. For the Boxing Commission, Robin Jumawan described ongoing statutory updates, MMA-related work, and delegation of amateur boxing rules. For the Hawaii Medical Board, Elizabeth Ignacio was strongly endorsed by state and industry witnesses as highly qualified and familiar with rural health issues, while Rebecca Sawai also received support from the board and Kaiser Permanente. In the decision-making portion, the committee moved to advise and consent to nearly all nominees on the agenda. Senator McKelvey stated reservations about Richard Emery due to opposition and possible conflicts, and also about nominees who were not present at the hearing, specifically Corrine Muldrow Soto and Stacie Kealoha Inouye; Senator Lamasao also noted reservations on those absent nominees. The chair disclosed personal acquaintance with Dr. Sawai and Andrea Ushijima. The committee then voted to adopt the recommendations, with the noted reservations and one no vote on GM 697 reflected in the record, and later reconvened to take up Governor’s Message 514/515 for John Etemura as chairperson of the Public Utilities Commission, where additional support testimony was heard from the Governor’s office, DCCA, and former consumer advocacy staff.

Transcript Highlights:

• But we're facing a new challenge with Minnesota Housing pausing its mortgage lending due to liquidity
• But we're facing a new challenge with Minnesota Housing pausing its mortgage lending due to liquidity
• But we're facing a new challenge with Minnesota Housing pausing its mortgage lending due to liquidity
• adjusted index for the shelter expenditure category of the Consumer Price Index for all urban consumers
• price index for all Urban consumer price index for all Urban consumers<01:37:34.440> cpi-u<01

Bills: HF1143, HF1548, HF1340, HF2549, HF2559, HF1673, HF2740, HF2507, HF2461, HF2381, HF2695

Keywords: education funding, unemployment aid, special education, Minnesota statutes, appropriations, housing, redevelopment, local government, trust funds, community development, HF1340, housing infrastructure bonds, Minnesota Housing Finance Agency, MHFA, affordable housing, supportive housing, permanent housing, adaptive reuse, area median income, AMI

Transcript Highlights:

• and lending support for those<00:20:40.080> habitat<00:20:40.520> Affiliates<00:20:41.480
• <00:21:39.279> and<00:21:39.480> program community lending and program community lending
• we were notified that, for the foreseeable future, Minnesota Housing would not be in a position to lend
• rights I mean this is great consumer rights I mean this is great this<01:12:45.440> sounds<01
• We put that money to work through expanded lending in our home buying portfolio, our home improvement

Keywords: 1187, senate, all

Transcript Highlights:

• We know President Trump has already directed his cronies to shut down the Consumer Financial Protection
• They've already taken action on their next victim, which is the Consumer Financial Protection Bureau,
• borrowers are going to be at risk of unfair financial service practices including debanking, payday lending
• of unfair service practice. on a regular basis, and it'll only let companies continue to rip off consumers
• In 2020, or 2021, the CFPB that was referred to earlier, the Consumer Financial Protection Bureau, the

Keywords: fiscal responsibility, government waste, foreign aid, funding resolution, legislative oversight

Summary: The committee meeting addressed government spending and foreign aid, with a particular emphasis on perceived wasteful expenditures. A significant portion of the meeting was dedicated to discussing a funding resolution for the committee, which received unanimous support from the members present. The chair noted a quorum at the beginning of the meeting, signaling that the committee was ready to conduct its business. Discussions highlighted ongoing debates concerning fiscal responsibility and the necessity of legislative oversight, notably regarding foreign aid allocations and their implications for domestic fiscal health.

Transcript Highlights:

• Due to inflation in the Consumer Price Index, rising medical care costs, and salary increases, these
• protection and market stability however many of the department to ensure consumer protection and market
• Due to inflation in the consumer price index, rising medical care costs, and salary increases, these
• In addition, recent new laws including the Debt Collection Licensing Act, California Consumer Financial
• from fraud and financial... ...to fulfill its critical mission of protecting consumers from fraud and

Summary: The Assembly Budget Subcommittee 5 on State Administration heard presentations from Go-Biz and the Department of Financial Protection and Innovation on the Governor’s budget proposals. Go-Biz described California Jobs First, the state’s 10-year economic development strategy, and emphasized support for small businesses, workforce development, and targeted investment in sectors such as ag tech, life sciences, semiconductors, and advanced manufacturing. Members raised concerns about federal policy changes, tariffs, tourism, housing, child care, and whether state incentives are truly additive; Go-Biz responded that it tracks federal actions closely, works with chambers and advocates, and uses programs like California Competes to target jobs that would not otherwise come to California. The committee then reviewed the proposal to restore the California Competes grant program with $60 million. Go-Biz said the grant would help businesses that cannot use the nonrefundable tax credit, and explained the program’s five-year contracts, milestone-based awards, and recapture provisions. The Legislative Analyst’s Office said the grant could be effective but recommended stronger oversight and clearer eligibility criteria, while also noting the 30% cap in trailer bill language may be too restrictive given the smaller funding level. Public testimony supported the grant and suggested considering refundability or transferability for the tax credit to broaden access for smaller and startup businesses. Members also heard the CHIPS-related proposal for $25 million to support Natcast’s semiconductor design and collaboration facility in Sunnyvale. Go-Biz and public witnesses argued the state investment would help secure a major federal research facility, retain engineering talent, and leverage billions in broader investment, while the LAO recommended rejecting the item because of its dependence on uncertain federal funding and the state’s budget condition. The committee also considered a $17 million continuation of CA RISE, which supports employment social enterprises; Go-Biz and several grantees cited strong job placement and workforce outcomes, while the LAO recommended rejection absent a more rigorous evaluation, noting prior LA RISE evidence did not show long-term employment gains. Finally, the Department of Financial Protection and Innovation presented budget requests for IT security and rent increases, and a trailer bill to raise fees across several programs. DFPI said decades-old fee schedules, inflation, and new regulatory responsibilities have created a structural deficit and warned the department could face insolvency without adjustments. The LAO recommended approving the fee increases only on a three-year limited-term basis and asked for more detailed revenue plans for programs not covered by the proposal, so the Legislature can assess actual collections and market impacts before making the changes permanent.

Transcript Highlights:

• communities where the work is being done, whether it's on the research side or whether it's on the consumer
• Despite those slight sales declines, consumer research conducted in 2024 found that 71% of U.S. consumers
• So there was that piece of it where consumers then were disappointed.
• But marketing it to consumers around prioritizing plant protein and all the benefits.
• Of course, food safety is really critical and also important for consumer trust.

Summary: The Select Committee on Alternative Protein Innovation held its second informational hearing at UCLA, focusing on California’s alternative protein sector and the role of public institutions in expanding plant-based, fermentation, and cultivated protein options. Chair Ash Kalra opened by highlighting prior state investments in UC research centers, the importance of student engagement, and the hearing’s three panels: reducing the carbon footprint of institutional meals, addressing market challenges to scaling alternative proteins, and advancing future food research and workforce development. Assemblymember Isaac Bryan also briefly praised the committee’s work and its relevance to climate and health goals. The first panel featured Friends of the Earth, UCLA Dining, and the Los Angeles County Department of Public Health. Megan Jones described California school food efforts, including technical assistance and microgrants that helped districts expand plant-based meals, reduce water and carbon footprints, and improve student satisfaction. Pete Angelese explained how UCLA Dining uses concept-driven venues, sustainable purchasing, and marketing nudges to increase plant-forward choices, while Dr. Michelle Wood outlined Los Angeles County’s 2024–2025 board motions to expand plant-based options in county food venues and programs, including joining the World Resources Institute’s Cool Food Pledge. Committee members asked about costs, procurement, and how student and consumer behavior can be influenced. The second panel addressed market barriers to scaling alternative proteins. Zach Weston and Daniel Gertner emphasized that the sector faces a cost-and-scale trap, high capital needs, and financing gaps, and they recommended grants, tax credits, loan guarantees, procurement commitments, and workforce development. T.K. Pillen of Beyond Meat argued that the category has faced a recent downturn due to consumer skepticism, industry attacks on “fake meat,” and pricing pressures, and said the key to renewed growth is increasing demand through better taste, health, pricing, and messaging around “plant protein.” Panelists also discussed hidden subsidies and structural advantages for conventional animal agriculture, and committee members raised questions about iBank loan guarantees and supply chain challenges. The final panel highlighted UCLA’s research and training efforts. Dr. Amy Roet described the Future Food Fellows program, which trains students across disciplines in science, communication, leadership, and community-building, and supports research on scalable, safe, and nutritious alternative proteins. Corinne Smith shared her cultivated meat research and student leadership in the Alternative Proteins Project at UCLA. Dr. Janet Tomiyama presented consumer psychology findings showing that disgust, gender norms, and terminology strongly affect acceptance, with “plant protein” and “complementary proteins” testing better than “fake meat.” The hearing concluded with support for continued public investment, clearer messaging, and expanded education and workforce pipelines to help California remain a leader in alternative protein innovation.

Transcript Highlights:

• Muha-Brascala said Section 2 was meant to provide granular group-size information to consumers.
• Section 2 is meant to provide granular group size information to consumers.
• This is common-sense consumer protection. There's other issues with Section 3, but I'll stop there.
• It aligns with the Commonwealth's long-standing commitment to truth in contracting, consumer protection
• Without unnecessary complexity or cost for consumers.

Keywords: 995, all

Summary: The Joint Committee on Financial Services held a lengthy public hearing with more than 70 people signed up to testify, focusing mainly on health insurance and health care access bills. Early testimony centered on H.1257/S.712, which would require insurance coverage for medically necessary treatment of genetic craniofacial conditions. Supporters included legislators, dentists, and medical experts who said these conditions are not cosmetic, can severely affect eating, speech, pain, and social functioning, and often create major financial hardship because insurers deny coverage. A related dental bill, H.1262/S.676, drew technical testimony from the Life Insurance Association of Massachusetts about implementation issues with the 2022 dental loss-ratio law, while the Massachusetts Dental Society supported H.1306/S.696 on transparency in dental network leasing and opposed H.1262. Representative Gentile also testified for H.4013, which would ban for-profit acute care hospitals and for-profit health insurers in Massachusetts, arguing that profit incentives undermine patient care. A major portion of the hearing was devoted to H.1261/S.799, a bill to protect patients from surprise ambulance bills. Municipal fire chiefs, Boston EMS, nonprofit ambulance providers, and the bill’s Senate sponsor said the measure would require insurers to pay ambulance providers directly and promptly, cap patient out-of-pocket costs, and reduce confusion caused by out-of-network billing. Witnesses described ambulance services as essential public health infrastructure and said current billing practices can discourage people from calling 911 or leave municipalities and nonprofits unable to recover costs. Committee members asked about unpaid debt, municipal billing burdens, and how the bill would affect rates and reimbursement. No votes were taken during the hearing. The committee also heard extensive testimony on H.1249/S.805, which would require screening for PANS/PANDAS in medical and clinical settings. Legislators, clinicians, parents, a teen with the condition, and educators described PANS/PANDAS as an infection-triggered inflammatory illness that can present as sudden psychiatric symptoms and is often misdiagnosed as a mental health disorder. Supporters said routine screening at well visits, emergency rooms, and other clinical settings would help identify children earlier, reduce unnecessary psychiatric treatment and hospitalizations, and improve outcomes. Testifiers repeatedly urged favorable action, emphasizing the personal and financial toll on families and the potential for early treatment to prevent long-term harm. The hearing concluded with continued testimony on these bills; no committee action or votes were announced.

Transcript Highlights:

• are proposing it under consumer are proposing it under consumer protection<00:45:13.480> laws
• would really define this around consumer would really define this around consumer consumer<00:56
• Um, our primary activities at the BFA are lending.
• Like, you've got money to lend.
• Uh did you got you've got money to lend.

Keywords: 1189, house, all

Transcript Highlights:

• <00:36:06.839> by the metals and materials consumed by the metals and materials consumed by
• business's access to Capital and consume business's access to Capital and consume substantial<00
• If built, the planned data centers for Minnesota could consume as much electricity as all 2.3 million
• If built, the planned data centers for Minnesota could consume as much electricity as all 2.3 million
• If built, the planned data centers for Minnesota could consume as much electricity as all 2.3 million

Keywords: 1183, house

Transcript Highlights:

• funding for affordable housing. and due to its mix of affordability throughout each project, it doesn't lend
• But we're facing a new challenge with Minnesota Housing pausing its mortgage lending due to liquidity
• and insert: A rent increase may not exceed the average of the annual percentage increase in the consumer
• Index for shelter means the most current seasonally adjusted index for the consumer price index for all
• urban consumers (CPI-U) as published by July 31st by the Bureau of Labor Statistics of the United States

Bills: HF1143, HF1548, HF1340, HF2549, HF2559, HF1673, HF2740, HF2507, HF2461, HF2381, HF2695

Keywords: education funding, unemployment aid, special education, Minnesota statutes, appropriations, housing, redevelopment, local government, trust funds, community development, HF1340, housing infrastructure bonds, Minnesota Housing Finance Agency, MHFA, affordable housing, supportive housing, permanent housing, adaptive reuse, area median income, AMI

Transcript Highlights:

• She said they created a work group to answer consumer questions and help consumers through the process
• He said they are trying to do a lot of education for their members to help explain this to consumers.
• He noted that the credit can be applied in the lending industry for pre-approval, which takes about $133
• He said that, as it stands now, the credit can be applied in the lending industry for pre-approval, which
• So an unplanned expense for our counties to try to consume.

Keywords: 908, all

Summary: The committee met to continue its tax reform and relief study agenda, approved the December 3, 2025 minutes, and announced a new subcommittee to examine property tax statement issues with counties, auditors, and the tax office. Representative Headland was named chair, Senator Rummel vice chair, and Representatives Dressler and Dr. Dr. and Senator Patton were also assigned. The chair noted the group may need an additional meeting and thanked staff and attendees. A major portion of the meeting focused on economic development incentives. The Department of Commerce presented on the Renaissance Zone program and TIF districts, describing Renaissance Zones as locally tailored tools that combine local property tax relief with state income tax incentives. Commerce said the program has supported thousands of projects since 1999 and cited examples from Beach and Mandan showing increases in property and taxable value, business retention, housing, and downtown revitalization. Committee members raised concerns that smaller rural communities often lack the staff and expertise to apply, and Commerce said it provides outreach through conferences, office hours, and one-on-one assistance. League of Cities and local officials from Bismarck and Ellendale echoed the capacity issue, discussed how the programs have worked in their communities, and suggested possible reforms or more targeted support for small towns. Ellendale’s mayor also described two TIF districts, one for industrial infrastructure in Oaks and one for housing infrastructure tied to a data center project in Ellendale. The committee then turned to stripper oil taxation. The Tax Department gave a comparison of oil and gas tax structures in selected states, noting that most have some form of stripper or marginal well provision, while Alaska does not appear to have a specific stripper-well exemption. Members asked for more detail on definitions and North Dakota’s annual adjusted rate. The Department of Mineral Resources followed with a detailed presentation on North Dakota stripper wells, explaining the statutory thresholds, the 12-consecutive-month production test, and the fact that once a well qualifies it remains on stripper status even if production later rises. DMR said about 11,332 stripper wells are active, representing roughly 54% of wells and about 16% of state production, and emphasized that stripper status can extend well life, preserve tax revenue, and reduce orphaned wells. Committee members and industry witnesses discussed refracs, the economics of keeping marginal wells active, and the competitive disadvantage created by North Dakota’s oil price discount. No votes were taken on these informational items.

Transcript Highlights:

• I guess my problem is so that is going to be the basis that banks lend money, but you say it poses a
• Federal Reserve has, to your point, large impacts on what happens in the economy, including how banks lend
• So If money's at 2, they need to lend at six. Correct.
• I just don't think we can consume, of a state of 2 million people, no matter how many power plants we
• The amount we produce would not equal the amount we could consume In any point in time.

Keywords: 996, all

Transcript Highlights:

• really extending the wait times for are really extending the wait times for our<00:11:33.200> consumers
• our consumers our consumers to<00:11:34.959> be<00:11:35.040> treated<00:11:35.360
• lending for lien releases.
• <01:12:25.120> lending<01:12:25.440> for some language for consumer lending for some
• language for consumer lending for lean<01:12:26.080> releases.

Keywords: 958, all

Summary: The Senate convened with prayer, the pledge, and roll call, establishing a quorum with 33 members present. The chamber approved the prior journal, excused absent senators, welcomed viewers, and received House messages announcing passage of House Bill 253, House Bill 436508, and House Concurrent Resolution 44 for concurrence. New filings were also reported: Senate Bill 197 on economic development and Senate Joint Resolution 99 designating the Destiny Brewer Memorial Highway in Martin County. The main floor action centered on Senate Bill 72, a measure on recruitment and retention of health care professionals and declaring an emergency. The bill’s sponsor argued it would protect health care workers’ conscience rights, improve recruitment and retention, and address provider shortages and corporate pressures in medicine, while emphasizing that emergency care would still be required under federal law. Supporters said the bill would protect providers from being forced to participate in procedures that violate their moral or religious beliefs and cited examples from other states and physicians who had left practices over conscience concerns. Opponents argued the bill’s language was too broad and could allow denial of non-emergency care based on vague moral, ethical, or religious objections, potentially harming patients in health care deserts and sending the wrong message about caring for all people. One senator raised a hypothetical about racial discrimination under the bill’s definitions, while supporters responded that the bill was intended to protect providers and patients and that existing professional ethics and hospital policies would prevent abuse. Additional supporters said the measure would not deny basic care and would help keep physicians in the state. The bill was still under debate at the end of the excerpt, with questions and responses continuing; no final vote or disposition on Senate Bill 72 is shown in the transcript provided. Other bills reported from second reading were referred to the Rules Committee for further action, and Senate Bill 69 was passed over and retained its place on the orders of the day.

Transcript Highlights:

• It could endanger consumers, uh, by allowing unsafe plug-in products into the market.
• It could endanger consumers, premature.
• At a time of rising concern about electricity rates, this bill gives consumers choice.
• Gross Swan was then invited to testify on the bill as amended. lending.
• And this legislation allows lending.

Keywords: 1187, senate, all

Transcript Highlights:

• So if this is needed, how will it benefit consumers if the bill passes?
• if the bill passes it benefit consumers if the bill passes and<00:21:41.679> do<00:21:41.840>
• And how does it benefit consumers?
• It benefits consumers by enshrining consumer protections that are in the model into Hawaii law.
• So we usually put in half the money, and then we usually have a co-lending partner.

Keywords: 912, senate, all

Summary: The committee heard several bills, beginning with HB 934 on broadband and digital equity. Testifiers from the Lieutenant Governor’s office, the Office of Enterprise and Technology Services, DCCA, the University system, the Hawaii State Council on Developmental Disabilities, and others generally supported the measure and emphasized the need to coordinate broadband efforts, fund operations, and expand access to high-speed internet, devices, and digital navigation services. The Chamber of Commerce and West Coast Comprehensive Health Center supported the bill but objected to HD1 language excluding broadband infrastructure for retail service, warning it could create unintended consequences and limit community-led or rural projects. The Lieutenant Governor explained the state expects roughly $400 million to $500 million in federal broadband funding, described the bill as consolidating efforts under a broadband office attached to the CIO, and said the office would focus on infrastructure, devices, and training. No vote was taken on HB 934 in the portion provided. The committee then took up HB 97 on travel insurance. The Insurance Division said it had no major problem with the product but requested technical changes to align with licensing requirements and noted the bill largely codifies practices already used in the industry. Industry witnesses from Allianz and the U.S. Travel Insurance Association said the measure would create a consistent framework, add consumer protections, and align Hawaii with the NAIC model adopted in many other states. Members questioned whether there was a specific problem the bill was solving, and the division responded that it was mainly a framework and form-review measure rather than a response to a known enforcement issue. The bill was discussed but no final action was reported in the excerpt. HB 448 on technology enablement drew broad support from the Hawaii Technology Development Corporation, the Chamber of Commerce, the Food Industry Association, and other business representatives. Supporters said the measure would help businesses use technology such as digital platforms, e-commerce, robotics, and AR/VR to improve competitiveness, especially in tourism and other sectors. Committee members pressed for clearer scope, cost estimates, and assurances that local companies would be used; the agency said it would prioritize local-first contracting, use federal NIST-related support where possible, and estimated an initial request of about $200,000, though it could not give a firm total. Members expressed concern that the plan was still too undefined. The committee then began HB 455 on small business loans, where the Attorney General suggested explaining why a special fund is needed, and a witness from H Collaborative said the bill would help startup businesses that struggle most to access capital.

Transcript Highlights:

• First up for HB 982 HD1, Department of Commerce and Consumer Affairs with comments.
• Ando, the director of the Department of Commerce and Consumer Affairs.
• Next up, we have DCCA Division of Consumer Advocacy with comments.
• I'm the executive director of the Division of Consumer Advocacy.
• Okay, and like, really quick question for Consumer Advocate: yes.

Keywords: 910, house, all

Summary: The joint committees heard testimony on HB 982 HD1, a wildfire-related measure aimed at creating a wildfire recovery fund and a financing structure to address future catastrophic wildfire liability. The Department of Commerce and Consumer Affairs, the Division of Consumer Advocacy, and the Public Utilities Commission submitted comments and were available for questions. Supporters included IBW Local 1260, Kauai Island Utility Cooperative, Clearway Energy Group, Hawaiian Electric, Par Hawaii, and others, while Charter Communications and the Hawaii Association for Justice opposed or raised concerns. Life of the Land supported the bill but urged changes to the definition of a catastrophic wildfire and noted concerns about prudency review language. IBW Local 1260 asked to restore language from the original draft, and Charter warned the bill could impair existing contract and indemnity rights unless amended. A major focus of the hearing was Hawaiian Electric’s position on the HD1 version. Hawaiian Electric strongly supported the original bill but objected to the HD1 requirement for an additional $500 million shareholder contribution, arguing it was not feasible and could delay or prevent the fund from operating. The company said the bill would help protect customers and improve credit ratings by creating a dedicated revenue stream and a bankruptcy-remote financing structure, which it said would lower borrowing costs over time. Members questioned how the $1 billion securitization amount was chosen, whether credit rating agencies had indicated it was sufficient, and how the bill would work in bankruptcy; Hawaiian Electric said the amount was a balance among interests, not based on a specific agency directive, and that it would follow up on bankruptcy questions. Opponents and skeptics raised concerns about liability caps, the new claims process, and unclear language on damages above the fund’s limits. The Hawaii Association for Justice argued the bill limits victims’ remedies and gives too much authority to the new entity without clear guardrails. Committee members also pressed Hawaiian Electric on comparisons to California, the feasibility of the shareholder contribution, and whether alternative capital-raising or divestiture options had been considered. No vote or final action was taken in the portion of the hearing provided; testimony and questioning continued with follow-up information requested from Hawaiian Electric and others.

Transcript Highlights:

• We're convening the Committee on Commerce and Consumer Protection and Commerce—I always get those mixed
• So now that we have almost 10,000 breweries in our country and the consumers want choice, especially
• <00:50:10.599> the third-party lenders that are lending the third-party lenders that are lending
• And as a Consumer Protection Committee, I hope that you'll consider the protection for the J-1 teachers
• affairs and the respective and consumer affairs and the respective boards<01:10:49.000> thank

Keywords: 910, house, all

Summary: The committee on Commerce and Consumer Protection met on February 20, 2025, and heard testimony on several measures. HB 850, relating to condominiums, drew support from the Community Associations Institute and the Hawaii State Association of Parliamentarians, who said it would improve owner participation, clarify voting rules, and preserve the use of proxies as a personal choice. A Zoom testifier supported the bill’s intent but warned that special meetings can be abused and suggested further amendments to address board president authority. Members asked about proxies versus electronic voting and whether the bill would reduce proxy use; no vote was taken. The committee also heard HB 48 on coffee labeling, with the Department of Agriculture in support, and HB 1370 on taxation, where a local brewery representative supported equal tax treatment for beer served from 5-gallon kegs and larger kegs when dispensed from a faucet, arguing the bill would clarify draft beer treatment and encourage sustainability. HB 1422 on motor carriers received comments from the Public Utilities Commission and the Department of State Parks, while representatives from a community-based shuttle initiative supported the bill and said nonprofit, community-led transportation solutions should not be regulated like traditional carriers. HB 874, relating to child performers, received support from SAG-AFTRA, IATSE, and individual performers, who emphasized protecting minors’ earnings, safety, and schooling. Testimony also discussed whether to include social media influencers and whether to add annual income limits or trust-account protections; the Department of Labor and Industrial Relations said the issue was outside its wheelhouse. Later, HB 799 on healthcare drew support from health plans and HMSA, with the Department of Health requesting amendments such as a sunset date, a Maui-only pilot, and a report back before changing its position. HB 1379 on health received support from Hawaii Pacific Health, but the Hawaii Medical Board raised concerns about vague language and public-safety implications for internationally trained physicians, asking for more time to study national licensing recommendations. Finally, HB 439 on education was heard, with the Hawaii Teacher Standards Board opposing the bill as drafted and warning about licensing standards and predatory third-party loans affecting J-1 teachers; the transcript ends before any action or vote on these measures.

Transcript Highlights:

• California has led the nation in consumer protections in NIL, and this is our chance to lead once again
• It's not a lending party. This is the school.
• It's not a lending party. This is the school.
• And that's when the payday lending company showed up. They promised me the world.
• What the company actually gave me was a predatory lending deal disguised as a marketing contract.

Summary: The committee held an informational hearing on name, image, and likeness (NIL) and financial literacy for student athletes, with members framing California as a national leader on NIL but emphasizing the need for stronger protections and more consistent education. The chair and witnesses discussed how NIL opportunities now include both third-party endorsement deals and school revenue-sharing arrangements, and how the current landscape varies widely by institution, leaving athletes with a patchwork of rules and support. Several witnesses argued that student athletes, especially younger ones and those from low-income or first-generation backgrounds, are vulnerable to predatory contracts, tax problems, and pressure from family, agents, or lenders. The first panel featured Tyree Dillingham and Brandon Copeland, who called for standardized financial literacy, better guardrails against predatory NIL advances, and a player-led association or similar collective voice for athletes. They described examples of athletes not understanding paychecks, taxes, or contract terms, and warned that some schools and collectives blur the line between education and marketing. Copeland also argued that college athletics now functions like a professional business and that athletes need representation and a standard contract structure to protect them. The second panel focused on lived experience, including testimony from attorney Anthony Coronae and student athlete Mikey Williams. Coronae described reviewing a contract that he said functioned like a predatory loan disguised as marketing support, with the company taking exclusive rights to Williams’ NIL and requiring repayment far beyond the advance. Williams testified that he signed without a lawyer, later lost endorsements, scholarship, and housing stability, and only later learned the contract’s consequences. He said a required financial literacy course at Sacramento State helped him begin to understand budgeting, taxes, and contracts, and he urged the legislature to require legal review or stronger safeguards for athletes. The third panel, from San Diego State University, highlighted a more structured institutional model. Athletic director Brendan Hill described a mandatory four-year life-skills program that includes financial literacy, resume workshops, internships, and branding education, while student athlete Sloan Benchoff said the program helped her manage money and prepare for post-college life. Witnesses agreed that support is uneven across schools, that some agents and lenders are exploiting athletes, and that California should consider standardized financial education and agent regulation while also being careful not to create rules that unintentionally restrict athlete rights. No formal vote or bill action was taken at the hearing.

Transcript Highlights:

• voluntary disclosure program for all entities engaged in investment activities that are not a banking, lending
• And again, as I mentioned, to align it with the statute, banking, lending, and securities businesses
• when you're based in Washington, you have IT groups and marketing groups here, and those are the consumers
• The bottom line is that any tax on goods or services... ...is going to be passed on to the consumer.
• And in this case, the consumers are the public school districts in Washington state and the students

Summary: The House Finance Committee held a work session that began with welcoming new member Rep. Janice Zahn, who introduced herself as representing the 41st Legislative District. The Department of Revenue then gave an update on the Antio-related legislation following the Washington Supreme Court decision and the 2025 session changes. DOR explained its voluntary disclosure program and the new expanded voluntary disclosure agreement for taxpayers with unreported investment income, including broader eligibility and interest/penalty relief, but said utilization has been minimal so far because additional implementation questions remain unresolved. The committee next received the annual update on the Working Families Tax Credit. DOR reported record participation in 2025, with about $205 million refunded through October and a major increase in applications after TurboTax added the credit to its filing software. Officials said most dollars went to households with children, outreach efforts remained important, and community partners and state agencies helped increase uptake. Members focused heavily on fraud concerns, especially tax preparers allegedly filing claims without applicants’ knowledge or diverting refunds; DOR said it is using fraud detection tools, training preparers, and trying to make applicants whole, but current law does not provide direct penalties against preparers. The final portion covered implementation of engrossed substitute Senate Bill 5814, which expanded sales tax to certain services. DOR described the new tax framework, its guidance process, and the large volume of ruling requests and outreach since the law took effect October 1. Committee members asked about fiscal assumptions, the scope of taxable services, and whether the department had revised its implementation estimates; DOR said the fiscal note assumed broad application absent explicit exemptions and that no expenditure revision had been made. In stakeholder testimony, Expedia and T-Mobile argued the law creates complexity and competitive disadvantages for Washington businesses, while a construction training provider said the tax raises tuition for workers seeking required certifications. School and nonprofit representatives said the tax will increase costs for special education services, arts programming, and other public-facing activities, and urged exemptions or further legislative fixes. The chair closed by noting the committee would revisit 5814 in the next session and then adjourned the meeting.

Transcript Highlights:

• I'd also note that there have been a number of studies, including Consumer Reports, saying that this
• bill won't increase cost for consumers.
• I'd also note that there have been a number of studies showing including consumer reports saying that
• this bill won't increase cost for consumers.
• This idea that we're trying to go after a few bad actors, that the claim is that they're lending to foreign

Keywords: 993, senate, all

Summary: The New York State Senate Finance Committee met with Senator John Liu presiding for Chair Liz Krueger, joined by members of the majority and minority. The committee considered a broad agenda of bills covering agriculture, public health, technology, taxation, corrections, education, housing, transportation, and civil rights. Among the measures discussed were a youth agriculture entrepreneurship summer employment program, a Bronx asthma study commission, a statewide multi-factor authentication requirement for governmental entities, a tax on noise emissions from certain helicopter and seaplane flights, a requirement that state events serving alcohol include New York-produced alcohol, a veterans and service members alternative resolution program, packaging reduction and recycling infrastructure legislation, limits on certain debt-collection practices involving foreign sovereign debt, commissary rules in correctional institutions, school energy performance contract recovery periods, a senior rent cap tied to income, a dental health demonstration project, farm succession planning, Operation SNUG gun violence prevention grants, expanded breast cancer screening coverage, direct Medicaid billing for creative arts therapists, a vacant storefront registry, academic credit for volunteer firefighters and EMTs, a plan to expand wheelchair-accessible vehicles outside New York City, STAR exemption notification, restrictions on certain tropical hardwoods in state contracts, a PSC guidebook on gas and electric rate making, gender-affirming care coverage and anti-discrimination provisions, and state leave for Civil Air Patrol members on airport-assigned missions. Most of the meeting focused on the packaging reduction and recycling infrastructure bill, which drew extended debate. Supporters said the bill had been revised after months of discussion with industry, included waivers for food safety and federal-law conflicts, and could save local governments money through producer responsibility funding. Opponents argued it would raise costs, harm food packaging flexibility, threaten food safety, and hurt manufacturers and small businesses, citing examples from dairy, meat, and coffee businesses. The sponsor’s representative said the bill had been updated and that some small businesses would be exempt, while acknowledging not all concerns were resolved. The committee also discussed the fiscal impact, with testimony that upfront state costs would be reimbursed and localities could see savings. Several other bills prompted brief policy discussion, including the helicopter/seaplane noise tax, where staff explained it would be assessed per ticket or up to $200 per flight and exempt quieter aircraft meeting DOT standards, and the sovereign debt/claims bill, where a senator warned it could drive financial activity out of New York. The committee also heard concerns about the packaging bill’s effect on New York food manufacturers and the availability of waivers. After discussion, the committee voted to report the bills; the transcript indicates the measures passed, generally with some members recorded as without recommendation or opposed, and all listed bills were moved to the floor before the meeting adjourned.